Budget Auto Quote Truck Insurance - Houston, Texas

Minimum State Requirements for Truck Businesses in Texas

In Texas, truck businesses must meet specific insurance requirements to operate legally. These minimum state requirements include:

Liability Insurance

• Bodily Injury Liability: $30,000 per person and $60,000 per accident. This coverage pays for medical expenses, lost wages, and other costs associated with injuries sustained by other people in an accident for which you are at fault.
• Property Damage Liability: $25,000 per accident. This covers the cost of damages to another person’s property, such as vehicles, buildings, or other structures, resulting from an accident for which you are at fault.

Cargo Insurance: Required for those transporting goods, ensuring coverage for the value of the cargo.

Additional Requirements:

1. Commercial Auto Insurance: For trucks used for business purposes, commercial auto insurance is required. This coverage typically includes liability, physical damage, and medical payments, tailored specifically for commercial vehicles.
2. Motor Carrier Act of 1980: For interstate trucking, the Federal Motor Carrier Safety Administration (FMCSA) mandates specific insurance requirements under the Motor Carrier Act of 1980. This includes minimum liability coverage amounts based on the type of cargo being transported. For example, $750,000 for general freight, $1,000,000 for hazardous materials, and $5,000,000 for certain other hazardous substances.

Meeting these minimum requirements is essential for compliance with Texas state laws and for the protection of your business and assets. Budget Auto Quote ensures that all our truck insurance policies meet or exceed these state requirements, providing you with the necessary coverage to operate with confidence.

Coverage Options with Budget Auto Quote Truck Insurance

Budget Auto Quote Truck Insurance in Houston, Texas, offers a range of coverage options to suit different needs and budgets. Here are some of the key coverage options available:

Liability Insurance

Liability insurance is mandatory in Texas and covers the costs if you are responsible for an accident that causes injury or property damage to others. Budget Auto Quote Truck Insurance ensures that you have adequate liability coverage to meet state requirements and protect your assets.

Collision Insurance

Collision insurance covers the repair or replacement costs of your truck if it’s damaged in an accident. This coverage is significant for truck owners who rely on their vehicles for their livelihood. With Budget Auto Quote Truck Insurance, you can find affordable collision insurance that fits your budget.

Comprehensive Insurance

Comprehensive insurance covers damages to your truck that are not caused by collisions, such as theft, vandalism, or natural disasters. This coverage is essential for protecting your investment in your vehicle. Budget Auto Quote Truck Insurance offers competitive rates on comprehensive insurance, ensuring that you’re covered against a wide range of risks.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages. This type of coverage is crucial in ensuring that you’re not left with out-of-pocket expenses in such situations. 

Why Choose Budget Auto Quote Truck Insurance?

At Budget Auto Quote, we understand the unique needs of truckers and commercial vehicle operators. Our insurance plans are tailored to provide maximum protection without breaking the bank. Whether you operate a single truck or a fleet, our policies are flexible and customizable to fit your specific requirements.

1. Tailored Coverage Options: Budget Auto Quote Truck Insurance offers a wide array of coverage options tailored to trucking businesses’ unique needs. From liability and physical damage coverage to cargo insurance and more, we provide customizable solutions to ensure your trucks and assets are protected against a range of risks.

1. Expertise in the Industry: With years of experience in the trucking insurance industry, we understand the complexities and challenges that trucking businesses face. Our knowledgeable agents have the expertise to assess your specific risks and recommend the right coverage options to safeguard your operations effectively.

1. Exceptional Service and Support: At Budget Auto Quote, we pride ourselves on delivering exceptional service and support to our clients. From the moment you reach out to us for a quote to the ongoing management of your policy, our dedicated team is here to assist you every step of the way.

Get Your Free Quote Today!

Secure affordable truck insurance in Houston, Texas with Budget Auto Quote. Get comprehensive coverage and competitive rates for your truck today! Contact us at 855-218-6308 to learn more and get a free quote. Travel with confidence, knowing that Budget Auto Quote has you covered every mile of the way.